A 3rd party broker that specializes in mortgages guaranteed by the US government

First Time Home Buyers

Using a VA Home Loan to Purchase a Short Sale

→ The Basics of a Short Sale → Using a VA Home Loan → Is It Worth the Risk? Since the recession, the housing market has been flooded with homes that are offered at a fraction of the cost they were listed at just a few years ago. Following the 2008 subprime mortgage crisis, foreclosure […]

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10 Advantages of VA loans

Since the Department of Veterans Affairs first rolled out the VA housing loan program as part of the Original GI Bill, 20 million veterans have taken advantage of it to secure a mortgage. Although the financial backgrounds of the men and women who use the loan are varied, many borrowers would not have otherwise been […]

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Top 10 Reasons: Why You Should Buy a Home Now

Often called the cornerstone of the American Dream, home ownership has always been an important milestone of adulthood. The recession of 2008 resulted in a record number of foreclosures. Three million Americans foreclosed upon their home in 2008, an 81 percent increase from the previous year and a 225 percent increase from 2006. The post-recession […]

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11 Tips For Your DOD Move

Yearly, 700 active duty military members receive Permanent Change of Station Orders. Reassignment frequently occurs, on average every two to four years. Sudden relocation causes stress and anxiety, uprooting yourself, and potentially your entire family is an ordeal for many. Aside from the emotional burden of the move is the financial implications of a PCS. […]

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Why do I Have to Pay for a VA Funding Fee?

Because the Department of Veterans Affairs ensures VA home loans, investors are widely protected against loss if the borrower defaults on their mortgage. The guarantee allows for greater accessibility in comparison with conventional loans. Among the numerous rewards of the loan are reduced underwriting standards, no money down, no private mortgage requirements, the ability to pay […]

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Are Closing Costs Required?

With a net worth below $7,000 on average, the typical VA (or any) borrower relishes any opportunity to cut down on the fees and expenses associated with purchasing a home. Closing costs are, unfortunately, intertwined with home buying. The income of mortgage professionals is supplemented through closing costs. The ugly truth is that most loans […]

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Benefits of A VA Home Loan

The benefits of a VA home loan are many. Since the establishment of the loan program as part of the Original GI Bill, 18 million Americans have been able to attain the virtue of home ownership. Without this program, the vast majority of these homeowners would not have been able to qualify for a mortgage. […]

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$0 Down VA Loans

Is A Down Payment Required For A VA Loan? Traditional home loans on average require a down payment of 20 percent of the total loan amount, as stated by Ellie Mae, the mortgage provider software. According to the Mortgage Bankers Association, this down payment represents a sum of $48,179 for the average American. The VA […]

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VA Loans And 4 Others That Are Best First Time Home Buyers

When it is time to buying a home, the United States Government wants everyone to have a piece of the American pie. There are special loan programs for any citizen who is looking to buy real estate. VA Home Loan Centers, as well as FHA Home Loan Offices are places to look for the information […]

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How To Buy A VA Loan Foreclosure

Purchasing a foreclosure is a really good real estate investment. The current economic climate precursor called the “Great Recession” has been (and still is being) experienced throughout the United States. The downturn resulted in many job losses and financial hardship. To compound the fact, many home loans were adjustable loans wherein the loan payments would […]

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Rent vs Own Calculator

What are the financial advantages to renting as compared to owning? This tool will compare the cost and savings of renting as compared to owning. The tool will determine your tax savings (based on the homeowner interest tax deduction). To use this calculator: 1. Enter your monthly rent. 2. Enter “0” for down payment. 3. […]

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Home Warranties for Buyers and Sellers

The seller or the buyer can purchase a home warranty, and this is usually paid for at closing time. Home warranties cover repair or replacement for appliances or other things associated with the home. Each warranty is specific to the home it covers. If you’re looking at new home construction, most builders are required to […]

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VA Home Loan Centers Closing Cost Credit

In order to make your VA transaction a true “no money down and no closing cost transaction” you must request credits for closing costs. These credits usually come from the seller, lender, VA, IRS, FTB or real estate agent. In a standard VA finance transaction, the VA borrower may not pay certain closing costs. These […]

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Is it Okay to Make Multiple Purchase Offers?

Buyers who are purchasing properties less than $300,000 sometimes have trouble getting their offers accepted. Mostly because the buyers are getting beat out by the cash buyers. Is this a good reason to make multiple offers on multiple properties? It may seem like a good idea but there are so many drawbacks to making multiple […]

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Top 7 Reasons – Why You Should Get a Real Estate Agent

There is so much information available on the internet regarding real estate, so why should a buyer hire a real estate agent? What’s the point when you seem to have the answers to any question with just a click? Here are 7 reasons why you might want to consider hiring a real estate agent. 1. Hiring […]

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What is Consideration (Earnest Money Deposit or Good Faith Deposit)?

Consideration is a legal concept meaning something of value that is given in exchange for a performance or a promise to perform. Also known as a good faith deposit, a binder or EMD. A fee that is usually a fixed amount that’s standard in the community where you’re buying. According to Common Law, for a […]

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Obtain a Loan Pre-Approval instead of a Pre-Qualification

Before you begin house hunting, the first essential step would be to apply for a home loan. Applying for a loan will help you understand how much you qualify for which will save you loads of time by looking at the right priced homes. Once you’ve started this step you may routinely hear the terms […]

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